In the paper, we gave an innovative design for housing mortgage insurance in the basis of the partial guarantee insurance, then obtained the pricing formula of the innovative mortgage insurance by using the method of martingale pricing, when the house price was driven by a general Ito process, and the rate of interest was modeled by Vasirek model.%在住房抵押贷款部分担保保证险的基础上进行了创新设计，并引入期权定价理论，利用鞅定价方法，分析了Vasi6ek随机利率模型下该抵押贷款保险的定价问题，得到了该抵押贷款保险的无套利定价公式，其中房价服从一般腑扩散过程．
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